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Enterprise Bank

IDRSSD: 2730431
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #2730431 2025-Q2 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.0% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 46.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 46.3%, loans/deposits 89.0%, cash 22.0% of assets.

Cash / Assets
21.98%
Loans / Deposits
89.02%
Brokered %
46.28%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +5
62
Sub-score

Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 8.37%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
8.37%
No watch items at this period.

Asset Quality

StableQoQ -5
64
Sub-score

Asset quality is stable: Adjusted NPL 2.48%, Texas Ratio 20.9%, NCO YTD 0.17%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
20.9%
NCO YTD
0.17%
30-89 PD
5.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.32% of loans, coverage 13.0%, true coverage 9.9%.

ALLL / Loans
0.32%
Coverage
13.0%
True Loss Coverage
9.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.9% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.32% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 12:11:07 UTC